Best Mobile Home Insurance in Louisiana for 2024
Foremost ranks as the best Louisiana mobile home insurance.
Differing from conventional houses, mobile homes (also called manufactured homes) demand specialized coverage to ensure the safety of both your dwelling and possessions.
Given their susceptibility to strong windstorms, hail, and water-related harm, securing suitable mobile home insurance in Louisiana can present unique challenges.
As you set out to discover the best Louisiana mobile home insurance policy for your family, a range of factors warrants your attention. These factors encompass coverage specifics and associated costs.
In order to help you find the most fitting and budget-friendly insurance coverage, we have identified the best rated manufactured home insurance providers. Among these options, Foremost stands out as the top choice for Louisiana mobile home insurance, due to its comprehensive protection for your home and valuable belongings.
Best and Cheapest Mobile Home Insurance Companies In Louisiana, 2024
As you'll notice, each company featured on our list excels due to its distinct strengths and policy attributes. Your individual situation greatly influences which manufactured home insurance policy is right for you, which may vary even from someone living nearby in a different mobile home.
Outlined below are the companies we've singled out, accompanied by a concise overview of key criteria.
Comparison Of The Best Mobile Home Insurance Companies In Louisiana
Having introduced the winners in their respective categories, let's delve into a more comprehensive comparison that shows them side by side:
| Overall Rating | Bundle Discount | J.D. Power Rating /1000 | Best For | A.M. Best Rating | Get A Quote | |
|---|---|---|---|---|---|---|
| Foremost |
|
No |
868 |
Overall |
A |
Instant Quote |
| American Family |
|
No |
855 |
Discounts |
A |
Instant Quote |
| American Modern |
|
No |
Not Rated |
Specialized Coverage |
A+ |
Instant Quote |
| Allstate |
|
Yes |
854 |
Retirees |
A+ |
Instant Quote |
| Progressive |
|
Yes |
859 |
Runner-Up |
A+ |
Instant Quote |
| Farmers |
|
Yes |
792 |
Endorsements |
A- |
Instant Quote |
| Assurant |
|
No |
Not Rated |
Most Comprehensive Coverage |
A |
Instant Quote |
Our Methodology
To compile our selection of "Best For" choices and conduct a thorough assessment, we meticulously evaluated the standard and supplementary coverage offerings, online feedback, financial stability, and customer satisfaction ratings of each insurer.
Unfortunately, none of the insurers we reviewed offer pricing information on their websites.
Quotes Analyzed
Research Hours
Brands Reviewed
Years Of Experience
Reviews Of The Best Mobile Home Insurance Companies
Best Overall
Key Statistics
Why We Like Them
⇅Operating as a subsidiary under the Farmers umbrella, Foremost provides traditional home insurance but also follows the industry norm by providing standard and optional coverage similar to other mobile home insurers. However, its standout feature is the “extended replacement cost” coverage it offers.
With Foremost’s replacement cost coverage, in the unfortunate event of your mobile home’s destruction, you qualify for reimbursement up to 20% beyond your policy limit’s value.
Foremost not only excels in coverage but also stands out in terms of customer satisfaction. Achieving an impressive J.D. Power customer satisfaction rating of 868 out of 1,000, it outperforms all other insurers in our evaluation.
Nevertheless, Foremost does not provide immediate quotes on its website. Instead, upon submitting your details through a quote form, you can expect to receive an email quote within 24 hours.
Ranked among the nation’s largest mobile home insurance providers, Foremost boasts a robust network of over 38,000 agents representing the company.
Benefits & Drawbacks
⇅- Backed by AARP endorsement and provides member discounts
- Accepts individuals with credit difficulties
- Extends coverage to older mobile and manufactured homes
- Offers a wide array of extra coverage options, including debris removal and food spoilage protection ✓
- Lacks online application capability
- Quote processing time can take up to 24 hours ✘
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Progressive provides regular homeowners insurance as well as mobile or manufactured home insurance and stands out with a range of appealing features. These include enticing discounts tailored for new homeowners, a solid financial foundation, high customer satisfaction scores, and a user-friendly digital platform. Navigating Progressive’s website is simple, allowing you to receive instant quotes. The availability of a mobile app further enhances the overall user experience.
One of Progressive’s distinctive offerings is the “single deductible” benefit, a feature exclusive within the mobile home insurance landscape. This means that when you bundle your mobile home and auto insurance with Progressive, any claims filed for either policy are linked. This eliminates the need for separate deductibles for each policy.
To illustrate, consider a scenario where a hailstorm damages both your mobile home’s roof and your car. With a $500 deductible for both policies, you only need to pay a single deductible amount, covering repairs for both assets.
Moreover, Progressive extends a bundle discount to policyholders who combine their mobile home and auto insurance policies with the company. Additionally, Progressive provides an endorsement option called “trip collision,” designed to cover your dwelling and personal belongings while they’re in transit between locations.
Benefits & Drawbacks
⇅- Presents replacement cost coverage as an option
- Features discounts designed for new homeowners
- Includes a user-friendly mobile app for convenience ✓
- Attains consumer ratings that are less favorable when compared to many other mobile home insurers
- Underwrites certain mobile home insurance policies through third-party companies ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Setting itself apart from its competitors, Assurant offers coverage for events like floods, hurricanes, earthquakes, landslides, and mudslides.
Assurant’s comprehensive “All Risk” coverage serves as a safeguard against sudden and accidental events resulting in direct loss or damage to your mobile home, with certain specified exceptions.
Moreover, its coverage extends to replacement costs for both your dwelling and personal belongings. This ensures that your assets are replaced with new items of comparable quality, without accounting for depreciation.
Comprehensive in its scope, Assurant also factors in adjacent and detached structures on your property, which can include sheds, fences, or standalone garages. Furthermore, the insurer takes on the responsibility of additional living expenses if your home becomes uninhabitable due to a covered loss.
Benefits & Drawbacks
⇅- Incorporates coverage for floods and earthquakes within the standard manufactured home insurance policy
- Offers replacement cost coverage for your home and property by default ✓
- Quote acquisition necessitates a call to a toll-free number between 7 am and 7 pm; no online quotes provided
- Does not feature a mobile app for seamless access and management ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Tailored to meet individual requirements, Farmers’ mobile home insurance policies in Louisiana offer customization options. With an extensive network of agents throughout the state, Farmers ensures personalized guidance in selecting appropriate coverage, deductible levels, and endorsements.
Farmers provides a variety of endorsements, including green-home improvements that enable the upgrade of appliances and systems to energy-efficient models after a claim. Additionally, you can choose to have replacement cost coverage, adding an extra layer of personal protection, along with identity theft coverage.
Furthermore, Farmers offers discounts to policyholders. These discounts include having a home security system installed, adopting a smoke-free lifestyle, opting for paperless billing, maintaining a claims-free history, and consolidating multiple policies—whether they’re for car or life insurance—under the Farmers’ umbrella.
Benefits & Drawbacks
⇅- Presents claim forgiveness, avoiding rate increases after five continuous claim-free years
- Covers lost or stolen personal property, even during your absence from home ✓
- Received the lowest J.D. Power score among the evaluated insurers
- Received the lowest J.D. Power score among the evaluated insurers ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅Founded in 1949, American Modern proudly positions itself as a pioneer among the early adopters specializing in manufactured home insurance.
Distinguishing itself through specialized home insurance coverage, American Modern extends protection to owners of mobile and manufactured homes that may be vacant or used seasonally. This unique offering sets it apart from the other Louisiana mobile home insurance providers evaluated.
However, it’s important to note that American Modern does not provide replacement cost coverage in the event of a total loss. Instead, settlements are based on the stated value of your home, as outlined in your manufactured or mobile home policy, without accounting for depreciation. In cases of partial loss, compensation corresponds to the actual cash value of the loss. However, there’s an available option to upgrade to a replacement cost valuation.
Benefits & Drawbacks
⇅- Demonstrates an extensive grasp of the mobile home market cultivated through years of experience
- Demonstrates an extensive grasp of the mobile home market cultivated through years of experience ✓
- Quote acquisition is limited to agent interaction; no online quotes accessible
- Doesn't extend certain discounts available from other insurers ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅Allstate stands out for its inclusive coverage, catering to a diverse array of individuals. Furthermore, it extends a distinctive discount to retirees aged 55 and above, along with original titleholders of their mobile and manufactured homes, thereby enhancing affordability. Additionally, mirroring several other insurers, Allstate offers a bundled discount.
Setting itself apart from the insurers we’ve evaluated, Allstate’s mobile home insurance introduces a unique feature: “mine subsidence” coverage. This feature guards against mobile home damage arising from land movement linked to human-induced mining activities. Furthermore, Allstate provides property protection against damage to satellite dish antennas.
Like other insurers, Allstate’s standard mobile home coverage encompasses notable benefits. These encompass actual cash or replacement cost coverage for your mobile home structure and personal possessions, liability coverage, and guest medical coverage. Furthermore, optional coverage choices include safeguards against water backup, reimbursement for eco-friendly enhancements post-loss, and electronic data recovery.
Benefits & Drawbacks
⇅- Presents specialized discounts for retirees and original title holders
- Includes a convenient mobile app for enhanced user experience
- Offers a diverse selection of valuable optional coverage choices ✓
- Customer experiences may exhibit variability depending on your local agent
- Immediate online quotes are not available ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅While it might not possess the widespread recognition of some major players with larger advertising budgets, American Family holds a significant position among the top eight home insurers in the United States based on market share. This insurer’s distinctiveness is evident through a range of discounts, offering you various avenues to reduce your monthly premium expenses.
Qualifying for discounts with American Family is attainable through several means:
- Bundling your manufactured home insurance and auto insurance
- Installing smart devices like Ring or Nest in your residence
- Owning a home that was recently acquired within the past three years
- Opting for the company’s autopay, full pay, and paperless billing options
Furthermore, the American Family introduces a “diminishing deductible” feature. Starting from day one, this provision reduces your deductible by $100. For instance, if your deductible is initially $1,000, it immediately becomes $900 upon purchasing the manufactured home insurance policy. This deductible reduction continues annually upon policy renewal, gradually lowering your deductible until it reaches the policy’s maximum limit.
Benefits & Drawbacks
⇅- Provides a wide array of pathways to qualify for discounts
- Includes a mobile app to conveniently track claim status
- Offers a diverse selection of supplementary coverage options ✓
- Some policyholders have expressed experiencing delays in claims processing ✘
How To Find The Best Louisiana Mobile Home Insurance For You
For an effective exploration of mobile home insurance and the identification of a suitable provider, follow these guidelines:
- Thoroughly choose at least three companies from our evaluated list to gather quotes. Obtaining multiple quotes enhances your understanding of mobile home insurance, safeguarding you from potential overpayment for coverage.
- Deliberate on the risks you intend to protect against. While fire protection is standard, consider whether your residence is near water bodies or mountains prone to flooding. In such cases, it might be wise to assess the feasibility of a separate flood insurance policy, depending on the insurer’s offerings.
- Assess valuable or unique possessions you possess. Calculating their total value, combined with other belongings, helps determine appropriate manufactured home insurance policy limits, avoiding the risk of over-insuring and overspending.
- Take into account any improvements, renovations, or significant changes that could impact the value of your mobile home when seeking a quote.
Ideally, before or after acquiring quotes, document photographs and serial numbers for valuable personal items, appliances, and other possessions designated for coverage. Safely store this information in a durable, fire-resistant container or another secure location. This data becomes invaluable in the event of a future claim.
What Does Manufactured Home Insurance Cover?
A standard manufactured home insurance policy typically incorporates the following coverage elements:
Dwelling Coverage
This facet manages the expenses for repairing or replacing your mobile home’s structure in case of damage from events covered by your manufactured home insurance policy, up to the limit you select. You’ll also choose a deductible, which you’re required to pay before the insurer contributes to a validated claim.
Covered events usually include:
- Fire
- Lightning
- Explosions
- Vandalism
- Falling objects
- Wind and hail
- Weight of ice and snow
- Damage from wild or stray animals
- Burst pipes
- Coverage For Other Structures
This accounts for the costs of repairing structures not physically attached to your mobile home, like sheds or fences, if they incur damage from a covered event.
Personal Property Coverage
This feature addresses the costs of repairing or replacing electronics, furniture, and other belongings damaged or stolen.
Liability Insurance
This element handles expenses in case a visitor gets injured and files a legal claim, or if you unintentionally cause damage to property or injuries to others. Liability insurance often covers associated legal costs.
What Doesn’t Mobile Home Insurance In Louisiana Cover?
Insurance policies inevitably have exclusions. Mobile home insurance in Louisiana commonly excludes coverage for damage caused by:
- Flooding: If your manufactured home insurance policy excludes flood damage and you reside in a flood-prone area, it’s recommended to consider a separate flood insurance policy.
- Earthquakes: While Louisiana is not prone to earthquakes, mobile home insurance in the state does not cover damage resulting from “earth movement.”
- Normal wear and tear: Insurance addresses sudden, accidental damage but does not cover the natural aging process of items.
- Infestation by insects or animals: Preventing pests is generally considered part of routine maintenance and is not covered by most manufactured home insurance policies.
- Damage resulting from using your mobile home for business purposes: If you conduct business activities from your mobile home, you might need a separate commercial policy
Do You Need Mobile Home Insurance In Louisiana?
We believe that you do need mobile home insurance in Louisiana, the Pelican State.
To begin, if you’re considering getting a mortgage for your mobile home purchase, your lender will likely require manufactured home insurance coverage.
Furthermore, every home in Louisiana, regardless of whether it’s mortgaged, faces the uncertain hazards brought about by severe thunderstorms featuring destructive winds, hailstorms, tornadoes, and the potential for flooding.
Lastly, we advise you to inquire with your mobile home park or community to ascertain whether mobile home insurance is obligatory for residents.
Largest Manufactured Home Insurance Providers In Louisiana
Hey Zdravko, can you please look up the largest manufactured / mobile home insurance providers in Louisiana and create a simple table for this section
| Mobile Home Insurance Provider | Market share |
| Foremost | 4% |
| Assurant | 2% |
| American Modern | 2% |
| American Family | 4% |
| Allstate | 9% |
| Progressive | 2% |
| State Farm | 8% |
Average Mobile Home Insurance Cost In Louisiana
While specific pricing information may not be readily available on the websites of the insurers we evaluated, our analysis estimates that mobile home insurance in Louisiana typically falls within the range of $50 to $125 per month. This cost range is influenced by many factors such as coverage limits, deductible choices, selected options, and other relevant considerations outlined below.
Several factors play a role in determining the cost of your mobile home policy in Louisiana:
- Location (zip code)
- Age of your home
- Replacement cost of your home
- Chosen coverage and limits
- Deductible amount
- Claims history
All the insurers we reviewed offer a variety of discount opportunities for mobile home insurance policyholders, including options to bundle your coverage with auto insurance to save money.
How To Buy Louisiana Mobile Home Insurance Online
Simplify the process of obtaining a mobile home insurance policy online with these straightforward steps:
- Assess your coverage needs: Determine the protection you need by setting property damage limits that cover both your mobile home and its contents.
- Get an online quote: Many Louisiana mobile home insurance companies offer you the option to request a quote online. You can also explore websites that facilitate comparisons of coverage and costs, streamlining your online shopping experience.
- Complete the application: Once you’ve identified your coverage requirements and a suitable cost, proceed to fill out the home insurance application. While numerous insurers provide online application options, some may involve agent assistance in the application process.
Unique Considerations For Mobile Home Insurance In Louisiana
Just like its fellow southern state, Florida, Louisiana is subject to a range of severe weather conditions, including:
- Wildfires
- Destructive winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical storms
- Hail
- Flood damage
Given these risks, we strongly advise all Louisiana mobile homeowners to prioritize obtaining sufficient coverage.
Looking For Mobile Home Insurance In Other U.S. States?
FAQS
How are Louisiana mobile home insurance rates determined?
Mobile home insurance rates are influenced by several factors, including your location, coverage limits, selected deductible, and the discounts you’re eligible for.
Is mobile home insurance more expensive in Louisiana?
As a rule, the expense of mobile home insurance in Louisiana tends to align with that of nearby Southeastern states. Yet, there’s an exception in Florida, where several insurers do not extend coverage for mobile and manufactured homes.
Do you need mobile home insurance in Louisiana?
Although there is no state law requiring mobile home insurance, your mortgage lender might make it a requirement. Nonetheless, we strongly recommend getting mobile home insurance, regardless of whether you have a mortgage.
What is the difference between mobile home and modular home?
The key difference between a mobile home and a modular home is that a mobile home is built on a chassis and can be moved, while a modular home is built in sections and assembled on-site. Mobile homes are often smaller and less customizable, while modular homes offer more design options and tend to be sturdier. Keep in mind that insurance coverage may vary based on these distinctions, so it’s important to discuss specifics with your insurance agent.
